How to Choose the Best Medical Aid in South Africa

The best medical aid in South Africa is a title any medical aid would want to have. Healthcare and especially private healthcare can be extremely expensive in South Africa. The healthcare system used in South Africa does not make it any easier.

When you are sick you visit your doctor, or general practitioner, who then, when applicable, refers you to a specialist. The general practitioner’s consultation fee will cost you a few hundred rand. Then you need to visit the pharmacy for the prescription to be filled, which is another amount of money from your pocket. The amounts add up very quickly to thousands and not hundreds anymore when the X-rays, blood tests and specialist’s bills arrive.

It is wise to become a member of a medical aid scheme, preferably the best medical aid in South Africa. The question arises how do you choose the best medical aid?

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The Best Medical Aid

People differ from individual to individual and from family to family. Their needs, dreams, lifestyle and health differ as well. The main factor to take into consideration in deciding which one is the best medical aid is to consider what the needs of the specific family or individual are. What is the medical aid that will be the right one for that family?

Factors to consider when choosing the best medical aid are:

• Price – What is the amount you can afford to pay monthly for your medical aid? When determining the amount that is affordable, take into consideration the whole budget, the essential and luxury items you spend your money on. Food, clothing and shelter are essential items. Holidays, breakaway weekends, expensive motor vehicles and the extra laptop, are luxuries items. In which category does your medical aid feature? If you think medical aid schemes are luxury items, you will quickly change your mind when your health is in danger or a family member needs emergency health treatment. In other words, paying for the cover provided by a medical aid, is a necessity, you cannot afford not to belong to a medical aid scheme. If your budget does not allow for a comprehensive package, consider subscribing to a hospital plan. You can always adjust when your situation improves.
• Assessment – Before deciding which medical scheme to belong to, have a complete medical examination of your health and the health of your family. This would be a great help in determining the minimum medical aid needs and requirements for your family. Should the medical examination reveal any acute or chronic illnesses, it will indicate the specialized coverage the specific member of the family would need.
• Quotes – Narrow your search down to a selected few schemes. Contact each medical aid, and request medical aid quotes from each of them. Then you can compare the short list in deciding which the best is for you and your family.
• Reliable – There is an old saying “penny wise, pound foolish”, and is very applicable when choosing the right scheme. It is not always the cheapest that is the best. Rather choose a medical aid scheme from medical aids that are reliable. Do not be too influenced by all the fancy perks.

What is the best medical aid scheme? The best medical aid is the one that covers the healthcare needs of you and your family. © Medical Aid Plan

NOTES:

Your medical aid quote will include options to suit your pocket. Please ensure that the cover you select is exactly what you need and that you understand exactly what insurance you are buying. Do not hesitate to ask questions about the medical aid or hospital cover you choose.